Our lending criteria

Acceptable property types

Acceptable income

Acceptable Deposits

Acceptable warranty providers

Adverse Credit History

Affordability calculator

Age of applicants

Buy-to-Let/Consumer Buy-to-Let

Capital raising

Capital Raising - Buy to Let/Holiday Let

Concessionary Purchases/Gifted Equity


Debt consolidation

Fixed term contracts

Geographical Restrictions

Heartland definition

Holiday-Let criteria (England, Scotland and Wales)

Holiday-Let criteria (Scotland)

Interest-only and repayment types

Joint Borrower Sole Proprietor

Lending criteria where loan exceeds 80% LTV

Lending into retirement

Loan to income

LTV and maximum loan sizes

LTV by Property Type

Maternity/Paternity Leave

Minimum and maximum term

Modern Methods of Construction

New Build Incentives

Own New Scheme

Payday Loans

Portfolio landlords

Probation periods

Regulated Buy-to-Let


Right to Buy/Right to Acquire

Section 106/Affordable Housing

Self Build Mortgages

Self-employed income

Short-term lending

Stepped Rates/What are Stepped Rates?

Valuation fees

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BDM contacts

Get in touch with our team directly


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